PennyMac Finl Financials

PFSI Stock  USD 107.62  0.97  0.91%   
PennyMac Finl Svcs is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in February. As of now, PennyMac Finl's Total Stockholder Equity is increasing as compared to previous years. The PennyMac Finl's current Other Liabilities is estimated to increase to about 1.5 B, while Common Stock Shares Outstanding is projected to decrease to under 57.6 M. Key indicators impacting PennyMac Finl's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.07750.0816
Notably Down
Slightly volatile
Return On Assets0.00840.0088
Notably Down
Slightly volatile
Return On Equity0.04470.047
Notably Down
Pretty Stable
Debt Equity Ratio3.853.43
Moderately Up
Pretty Stable
Current Ratio0.190.2
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for PennyMac Finl includes many different criteria found on its balance sheet. An individual investor should monitor PennyMac Finl's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in PennyMac Finl.

Net Income

328.63 Million

  

PennyMac Finl Stock Summary

PennyMac Finl competes with Encore Capital, Greystone Housing, Guild Holdings, Security National, and Timbercreek Financial. PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. PennyMac Financial Services, Inc. was founded in 2008 and is headquartered in Westlake Village, California. Pennymac Financial operates under Mortgage Finance classification in the United States and is traded on New York Stock Exchange. It employs 5088 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS70932M1071
CUSIP70932M107 70932B101
LocationCalifornia; U.S.A
Business Address3043 Townsgate Road,
SectorFinancial Services
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.pennymac.com
Phone818 224 7442
CurrencyUSD - US Dollar

PennyMac Finl Key Financial Ratios

PennyMac Finl Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets31.6B18.8B16.8B18.8B21.7B22.8B
Other Current Liab(10.2B)(107.6M)(347.0M)26.1M23.5M24.7M
Other Liab681.1M253.5M304.9M1.3B1.5B1.5B
Net Debt26.4B13.6B10.5B12.6B14.4B7.3B
Retained Earnings2.3B3.3B3.5B3.5B4.0B4.2B
Accounts Payable580.5M587.4M552.9M658.1M756.8M489.7M
Cash532.7M340.1M1.3B938.4M1.1B1.1B
Other Assets155.5M31.1B18.3B15.4B17.7B18.6B
Long Term Debt1.9B6.6B8.7B9.7B11.2B11.8B
Net Receivables26.4B13.0B8.3B132.3M152.1M144.5M
Inventory1.3B7.5M(107.0M)(1.0B)(1.2B)(1.1B)
Other Current Assets903.4M904.2M803.8M151.3M136.2M129.4M
Total Liab28.2B15.4B13.4B15.3B17.6B18.5B
Total Current Assets27.5B13.9B10.3B938.4M1.1B1.0B
Short Term Debt9.7B7.3B3.3B3.8B4.3B3.1B
Intangible Assets2.6B3.9B6.0B7.2B8.3B8.8B
Net Tangible Assets2.0B3.4B3.4B3.5B4.0B4.2B
Short Long Term Debt9.7B7.3B3.0B3.8B4.3B4.2B
Long Term Debt Total1.3B1.9B1.8B2.3B2.6B1.3B

PennyMac Finl Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense24.5M90.5M50.2M637.8M733.4M770.1M
Total Revenue5.5B4.0B2.0B1.4B1.6B1.6B
Gross Profit4.0B2.1B663.1M1.3B1.5B877.7M
Operating Income2.2B1.3B615.0M710.0M816.5M518.7M
Ebit437.0M(1.7B)(1.1B)710.0M639.0M670.9M
Ebitda2.2B1.4B665.2M710.0M816.5M663.1M
Cost Of Revenue1.5B1.8B1.3B97.1M111.6M106.1M
Income Before Tax2.2B1.4B665.2M183.6M211.2M200.6M
Net Income1.6B1.0B475.5M144.7M166.4M328.6M
Income Tax Expense593.7M355.7M189.7M39.0M44.8M42.6M
Research Development112.6M141.4M140.0M143.2M164.6M172.9M
Tax Provision593.7M355.7M189.7M86.5M99.4M181.8M

PennyMac Finl Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash344.2M(192.7M)988.4M(390.2M)(448.7M)(426.3M)
Free Cash Flow(6.3B)2.5B6.0B(1.6B)(1.9B)(1.8B)
Depreciation37.9M42.9M50.2M70.0M80.5M149.9M
Other Non Cash Items(6.7B)1.1B5.2B(1.8B)(1.7B)(1.6B)
Dividends Paid30.9M52.9M54.6M41.4M47.7M50.0M
Capital Expenditures84.2M56.9M83.1M36.2M41.6M39.5M
Net Income1.6B1.0B475.5M144.7M166.4M158.0M
End Period Cash Flow532.8M340.1M1.3B938.4M1.1B1.1B
Investments972.5M(426.1M)(877.2M)(616.0M)(554.4M)(526.7M)
Net Borrowings7.6M610.9M1.1B630.4M567.4M507.4M
Change To Netincome53.2B65.9B92.7B(21.9B)(25.2B)(23.9B)
Change Receivables(20.3M)(48.3M)35.2M2.8M3.2M3.4M

PennyMac Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining PennyMac Finl's current stock value. Our valuation model uses many indicators to compare PennyMac Finl value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across PennyMac Finl competition to find correlations between indicators driving PennyMac Finl's intrinsic value. More Info.
PennyMac Finl Svcs is regarded third in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.17  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for PennyMac Finl Svcs is roughly  5.74 . As of now, PennyMac Finl's Return On Equity is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the PennyMac Finl's earnings, one of the primary drivers of an investment's value.

PennyMac Finl Svcs Systematic Risk

PennyMac Finl's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. PennyMac Finl volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on PennyMac Finl Svcs correlated with the market. If Beta is less than 0 PennyMac Finl generally moves in the opposite direction as compared to the market. If PennyMac Finl Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one PennyMac Finl Svcs is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of PennyMac Finl is generally in the same direction as the market. If Beta > 1 PennyMac Finl moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in PennyMac Finl Stock are looking for potential investment opportunities by analyzing not only static indicators but also various PennyMac Finl's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of PennyMac Finl growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.49)

As of now, PennyMac Finl's Price Earnings To Growth Ratio is decreasing as compared to previous years.

PennyMac Finl January 18, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of PennyMac Finl help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of PennyMac Finl Svcs. We use our internally-developed statistical techniques to arrive at the intrinsic value of PennyMac Finl Svcs based on widely used predictive technical indicators. In general, we focus on analyzing PennyMac Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build PennyMac Finl's daily price indicators and compare them against related drivers.

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When running PennyMac Finl's price analysis, check to measure PennyMac Finl's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy PennyMac Finl is operating at the current time. Most of PennyMac Finl's value examination focuses on studying past and present price action to predict the probability of PennyMac Finl's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move PennyMac Finl's price. Additionally, you may evaluate how the addition of PennyMac Finl to your portfolios can decrease your overall portfolio volatility.
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